Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | http://www.coopfatima.com/ |
Year established | 1962 |
Head of Institution | OSCAR MANUEL CORONADO ESPINOZA |
Regions active | |
# Branches | 5 |
Total Portfolio (nat'l) | BOB 259,281,693 |
Total Portfolio (USD) | USD 38,412,102.67 |
Active clients with loans | 5,240 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Nacional |
Funders |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.financetrust.co.ug/ |
Year established | 1984 |
Head of Institution | Anne Nakawunde Mulindwa |
Regions active | Central, Eastern, Northern, Western |
# Branches | 30 |
Total Portfolio (nat'l) | UGX 43,801,060,749 |
Total Portfolio (USD) | USD 17,520,424.30 |
Active clients with loans | 22,555 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | World Savings Bank Initiative, WWB, AMFIU, African Rural & Agricultural Credit Association |
Funders | Investisseur et Partnaire el la Developpment, Oikocredit, Uganda Womens Trust, Founder Members |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Oro (Bs) | BOB 70,000 - 70,000 | 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
CREDITO A SOLA FIRMA | BOB 35,000 - 75,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | BOB 7,000 - 63,000 | 36 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | USD 1,000 - 50,000 | 24 - 96 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
Diamante - USD | USD 1,001 - 15,000 | 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
Garantía Cruzada (Bs.) | BOB 7,000 - 35,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
HIPOTECARIO DE VIVIENDA | USD 10,000 - 140,000 | 120 - 180 | 0% - 20% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan - Group | UGX 100,000 - 4,000,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Business Loan - Individual | UGX 500,000 - 70,000,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Age 18 and above,, Must have a savings account at Finance Trust | Credit Educ, Credit Ins | |||||||
Personal Development Loan | UGX 500,000 - 70,000,000 | 3 - 24 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Specific age group, Age 18 and above. Regular source of income,, Collateral must be titled land / comprehensively insured motor vehicle | Credit Educ, Credit Ins | |||||||
Salary Loan | UGX 100,000 - 10,000,000 | 3 - 24 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men, Salaried worker, Specific age group, Age 18 and above, Must open a savings salary account at Finance Trust | Credit Educ, Credit Ins | |||||||
School Fees Loan | UGX 100,000 - 70,000,000 | 3 - 6 | 60% - 80% | 20% - 40% | Education | Women, Men, Have business, Salaried worker, Must have a clear identifiable & regular source of income | Credit Educ, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan - Group | 30.00% annual, Flat | 3 Fees | 1 Ins | None | 10.00% upfront | 64.7% - 84.9% | 81.8% - 128.1% | 29 | ||||||||
Business Loan - Individual | 25.00%-30.00% annual, Flat | 3 Fees | 1 Ins | None | 10.00% upfront | 56.3% - 65.9% | 68.6% - 81.8% | 33 | ||||||||
Personal Development Loan | 25.00%-30.00% annual, Flat | 3 Fees | 1 Ins | None | N/A | 51.8% - 61.4% | 53.9% - 63.6% | 41 | ||||||||
Salary Loan | 27.00% annual, Flat | 3 Fees | 1 Ins | None | N/A | 50.8% - 73.6% | 52.5% - 77.4% | 45 | ||||||||
School Fees Loan | 36.00% annual, Flat | 3 Fees | 1 Ins | None | 10.00% upfront | 67% - 87.6% | 82.6% - 109.3% | 38 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loan - Group | 30.00% annual, Flat | 3 Fees | 1 Ins Ins | None | 10.00% upfront | 64.7% - 84.9% | 81.8% - 128.1% | 29 | ||||||||
Business Loan - Individual | 25.00%-30.00% annual, Flat | 3 Fees | 1 Ins Ins | None | 10.00% upfront | 56.3% - 65.9% | 68.6% - 81.8% | 33 | ||||||||
Personal Development Loan | 25.00%-30.00% annual, Flat | 3 Fees | 1 Ins Ins | None | N/A | 51.8% - 61.4% | 53.9% - 63.6% | 41 | ||||||||
Salary Loan | 27.00% annual, Flat | 3 Fees | 1 Ins Ins | None | N/A | 50.8% - 73.6% | 52.5% - 77.4% | 45 | ||||||||
School Fees Loan | 36.00% annual, Flat | 3 Fees | 1 Ins Ins | None | 10.00% upfront | 67% - 87.6% | 82.6% - 109.3% | 38 |
Key Statistics | |
---|---|
# Samples: | |
# Products | |
# Institutions | |
# Countries | |
# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |